Think Different Financial Planning

The firm provides wealth management and financial planning services to individuals and high‑net‑worth clients, offering ongoing comprehensive planning, project‑based engagements, and discretionary portfolio management. Services include development of investment policy statements, implementation at third‑party custodians, and coordination with outside money managers when recommended.

Its investment approach is largely passive and index‑oriented, grounded in the efficient market hypothesis and modern portfolio theory, with primary use of ETFs and other low‑cost funds rather than individual stock or bond selection. The firm may also place client assets with third‑party managers and use customized index solutions from independent providers where appropriate, and it monitors portfolios on a quarterly basis.

Notably, the firm does not rely on the common percentage‑of‑assets fee model used by many peers and instead uses fixed and hourly fee arrangements for its services, which alters typical fee incentives. The practice is a solo‑advisor operation that manages a relatively substantial asset base for a small client roster and has recently taken steps to change its SEC registration status, an uncommon administrative move for a firm of this size.